Public Adjusters in Kentucky

Yes. Public adjusters are licensed by the Kentucky Department of Insurance (DOI) and are legally allowed to represent property owners during the claims process. Only licensed professionals can negotiate on your behalf for a fee.

• Reviewing your insurance policy to determine coverage.
• Assessing and documenting property damage.
• Preparing detailed estimates and reports.
• Negotiating directly with your insurer to secure a fair settlement.

Kentucky law limits public adjuster fees to a maximum of 10% of the total insurance settlement amount. The fee must be clearly stated in writing within your contract.

• Be at least 18 years old.
• Submit an online application through the National Insurance Producer Registry (NIPR).
• Pass the Kentucky public adjuster licensing exam.
• Obtain and maintain a $20,000 surety bond.
• Complete continuing education every two years to renew your license.

• Storm, hail, and wind damage
• Fire and smoke losses
• Burst pipes or water damage
• Roof and structural damage
• Business interruption claims

• Be in writing and signed by both the adjuster and policyholder.
• Clearly state the fee percentage or amount.
• Include the adjuster’s name, license number, and contact information.
• Provide a three-business-day cancellation window for the client.

A public adjuster represents you, the property owner.
A claims or company adjuster represents the insurance company.
The main difference is who they advocate for—public adjusters focus on maximizing your payout, while company adjusters work to control insurer costs.

Avoid guessing about causes or costs of damage, admitting fault, or agreeing to an initial offer without reviewing your policy or consulting an expert. Public adjusters help ensure your statements and documentation align with your best interest.

• You’re unsure if your insurance settlement is fair.
• Your claim is large or complex (fire, windstorm, or commercial damage).
• You don’t have time to manage the claim process yourself.